This morning at Cetera Investors Latham office, Phillip Koontz and Robert O'Brien delivered an engaging presentation on "Living Free and Fearless." The self-defense tips shared by a Navy Seal were impressive, emphasizing the importance of preparedness over actual use. Remember, common muggers often use the line "What time is it?" - it's crucial to prioritize personal safety over politeness in such situations. Also, a friendly reminder to stay focused and aware: "Keep your head out of your apps!"